西联汇款 2026年季度报告

OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromto Commission File Number: 001-32903 THE WESTERN UNION COMPANY(Exact name of registrant as specified in its charter) 20-4531180(I.R.S. EmployerIdentification No.) Delaware(State or Other Jurisdiction ofIncorporation or Organization) 7001 EAST BELLEVIEW AVENUEDenver, Colorado 80237(Address of principal executive offices)Registrant’s telephone number, including area code: (866) 405-5012Securities registered pursuant to Section 12(b) of the Act: Name of each exchange on whichregisteredThe New York Stock Exchange Trading symbolWU Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filingrequirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit suchfiles). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, oran emerging growth company. See the definitions of“large accelerated filer,”“accelerated filer,”“smaller reporting company,”and“emerging growthcompany”in Rule 12b‑2 of the Exchange Act. Large accelerated filer☒Accelerated filer☐Non-accelerated filer☐Smaller reporting company☐Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b‑2 of the Exchange Act). Yes☐No☒ THE WESTERN UNION COMPANY INDEX PART I—FINANCIAL INFORMATION Item 1.Financial Statements (Unaudited)3Condensed Consolidated Statements of Income for the three and six months ended June 30, 2026 and 20253Condensed Consolidated Statements of Comprehensive Income for the three and six months ended June 30,2026 and 20254Condensed Consolidated Balance Sheets as of June 30, 2026 and December 31, 20255Condensed Consolidated Statements of Cash Flows for the six months ended June 30, 2026 and 20256Condensed Consolidated Statements of Stockholders’ Equity for thethree and six months ended June 30,2026 and 20258Notes to Condensed Consolidated Financial Statements9Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations31Item 3.Quantitative and Qualitative Disclosures About Market Risk44Item 4.Controls and Procedures44Review Report of Independent Registered Public Accounting Firm (PCAOB ID: 42)45PART II—OTHER INFORMATIONItem 1.Legal Proceedings46Item 1A.Risk Factors46Item 2.Unregistered Sales of Equity Securities and Use of Proceeds46Item 3.Defaults Upon Senior Securities46Item 4.Mine Safety Disclosures46Item 5.Other Information46Item 6.Exhibits47 PART I FINANCIAL INFORMATION THE WESTERN UNION COMPANY CONDENSED CONSOLIDATED STATEMENTS OF INCOME(Unaudited)(in millions, except per share amounts) THE WESTERN UNION COMPANY CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME(Unaudited)(in millions) THE WESTERN UNION COMPANY CONDENSED CONSOLIDATED BALANCE SHEETS(Unaudited)(in millions, except per share amounts) THE WESTERN UNION COMPANY CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited)(in millions) THE WESTERN UNION COMPANY SUPPLEMENTAL CASH FLOW INFORMATION(Unaudited)(in millions) THE WESTERN UNION COMPANY CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY(Unaudited)(in millions) THE WESTERN UNION COMPANY NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS(Unaudited) 1. Business and Basis of Presentation Business The Western Union Company (“Western Union” or the “Company”) is a leader in cross-border, cross-currency moneymovement, payments, and digital financial services, empowering consumers, businesses, financial institutions, and governmentswith fast, reliable, and convenient ways to send money and make payments around the world. The Western Union brand is globallyrecognized. The Company’s services are available through a network of agent locations in more than 200 countries and territoriesandalso through the Company’s or its third-party digital partners’ websites and mobile applications marketed under the Company’sbrands (“Branded Digital”). Each location in the Company’s agent network is capable of providing one or more of the Company’sservices. The Western Union business consists of the following segments: •Consumer